A gutter collects the roof's water; the downspout decides where it ends up. Each inch of rain on 1,000 square feet of roof is about 620 gallons (Texas Water Development Board's rainwater manual). In metro Atlanta, where a normal year brings roughly 48 to 56 inches, that is about 30,000 to 35,000 gallons a year off every 1,000 square feet.
What the code asks
The International Residential Code, Section R801.3: where expansive or collapsible soils are known to exist, dwellings must have "a controlled method of water disposal from roofs" that discharges "not less than 5 feet (1524 mm) from foundation walls or to an approved drainage system." Outside those soils the code does not require gutters at all, but the same 5 feet is a sensible target anywhere water can soak a crawl space or wash out a bed.
Extensions
The simplest fix: an elbow and a length of downspout, a flip-up extension, or a splash block that carries the water past the beds and onto ground that slopes away. They cost little and are easy to move for mowing.
Underground lines
A buried pipe from the downspout to a pop-up outlet in the yard, a dry well or the curb. Buried lines keep the yard clear but clog out of sight: leaves that get past the gutter end up in the pipe. Ask how the line can be cleaned, where it comes out, and whether it has a cleanout.
Where the water may go
Do not send roof water onto a neighbor's lot. Running a line to the street, a ditch or a storm drain is a question for the city, or for the county in unincorporated areas. Several metro counties also bill a stormwater fee and give credits for keeping water on the lot: DeKalb County, for example, charges $120 a year per single-family home and gives credits of up to 40% for detention, treatment and green infrastructure. Each county page here notes the charge where the county publishes it.